Retirement plan creation and guarantee

ABSTRACT

Various examples described herein are directed to systems and methods for creating a retirement plan and determining a guarantee. In an example, a retirement plan system is adapted to receive a plan participant&#39;s financial input and estimate retirement costs. The retirement plan system may be further adapted to determine accumulation values for the retirement plan. The retirement plan system may be further adapted to create an investment plan based on the selected accumulation value and investment requirements associated with the accumulation value. The retirement plan system may be further adapted to determine a guarantee for the investment plan.

BACKGROUND

As many people face retirement, there are many unknowns regardingproperly saving for retirement to ensure adequate retirement income.Without pensions or other annuity type vehicles, determining a person'sretirement income can be complicated and uncertain. Providing a servicethat helps plan for retirement and offer some level of guarantee wouldhelp reduce some retirement uncertainties.

BRIEF DESCRIPTION OF THE DRAWINGS

In the drawings, which are not necessarily drawn to scale, like numeralsmay describe similar components in different views. Like numerals havingdifferent letter suffixes may represent different instances of similarcomponents. Some embodiments are illustrated by way of example, and notof limitation, in the figures of the accompanying drawings, in which:

FIG. 1 is a block diagram showing creating a guarantee according to someembodiments.

FIG. 2 is a block diagram showing monitoring a plan according to someembodiments.

FIG. 3 is a flow diagram of creating a guarantee according to someembodiments.

FIG. 4 is a block diagram showing one example of a software architecturefor a computing device.

FIG. 5 is a block diagram illustrating a computing device hardwarearchitecture, within which a set or sequence of instructions can beexecuted to cause the hardware to perform examples of any one of themethodologies discussed herein.

DETAILED DESCRIPTION

Determining the amount of money a person needs for retirement may be acomplicated process involving different assumptions. Various saving andinvesting strategies may be created to help ensure a person has enoughretirement income to last through their retirement. Continuing to followsuch strategies may not be easy though given the normal complexities oflife. Various embodiments described herein help encourage a planparticipant to follow a retirement plan. For example, a plan participantmay be encouraged to continue with a retirement plan based uponreceiving an additional benefit or guarantee if all or part of theretirement plan is met. As a specific example, a guaranteed return onsome investment for a plan participant may be provided once the planparticipant follows the provided retirement plan or provided retirementadvice. Automatically monitoring may be done to ensure the participantis following the retirement strategy.

FIG. 1 is a block diagram showing creating a guarantee according to someembodiments. A person may have various accounts 102 whose assets in partor full may be used to fund the person's retirement. Accounts mayinclude one or more of a savings account, checking account, investmentaccount, 401K account, IRA, etc. Information associated with theaccounts 102 may be stored in various data stores such as databases. Theaccount information may be retrieved from these data stores over anetwork connection by a server computing device.

Additional financial inputs such as current spending, investments, 401Kcontributions, etc. may also be collected, stored, and used to formulatea plan 104. In an example, the plan 104 is a plan for the person'sretirement. The plan may include an investment strategy that changesover time. The plan may also include an expected accrued amount based onan expected rate of return of the person's investment. The plan may alsohave investment requirements. The investment requirements and planinformation may be stored in a database and access by various computingsystems. For example, continued investing in a 401K account at aprescribed level may be a requirement. Another investment requirementmay be a certain amount or a certain number of deposits into a savingsor investment account.

In an example, multiple plans may be created, by a server computingsystem, that each have different parameters. For example, one plan mayrequire more investment compared to other plans. Another difference maybe the level of risk between the plans. The various parameters and risksinvolved with each plan may be provided and explained to the person.

In addition, each plan may have a guarantee 106. In an example, theguarantee 106 may be viewed as an incentive provided to the person tocontinue to follow the selected plan 104. The guarantee 106 may be anadditional amount of money provided to the plan participant at certainpoints through the life of the plan 104 and/or at the end of the plan104. For example, an amount of money may be deposited into a planparticipant's 401K account for investing some amount of money during aperiod of time. This investment may be subject to the 401K maximums. Theguarantee 106 may also be a guaranteed rate of return of certain assets;a guaranteed minimum loss; a guarantee of a percentage of principal; anadditional investment amount; and/or a guarantee of the entire principalof some investments. For example, an additional investment amount may bethe amount of principal that the plan participant deposits during thelife of the plan, but not cover any original assets from before thestart of the plan. A guarantee may be selected based upon the financialinputs and the investment requirements.

Once the plans and associated guarantees are determined, a person mayelect a plan and become a plan participant. FIG. 2 is a block diagramshowing monitoring a plan according to some embodiments. As part of aplan, deposits 202 may be made into one or more accounts 204. Forexample, the plan may have an investment requirement that a certainamount of money is deposited monthly into a 401K account or a savingsaccount. A monitor 206 may periodically check the accounts 204 todetermine if the investment requirements are being met. The monitor 206may be a computing system that uses the plan participant's informationto monitor one or more accounts associated with the plan. The monitor206 may verify that the deposit 202 is being made. If a deposit is notbeing made, the monitor 206 may provide an alert to the plan participantor to a backend system. The monitor may retrieve financial dataassociated with a user and compare that data to stored investmentrequirements.

The monitor or the backend system may determine the financial impact ofmissing a particular deposit. In an example, the system may determine acatch-up amount of money needed to be made at a later date to accountfor the missed deposit. The catch-up amount is the amount needed suchthat the there is no adverse effect to the accumulated amount. Thecatch-up amount may have a time period in which the catch-up amountshould be deposited, with an additional calculation for a secondcatch-up amount for later dates.

At a prescribed time, a plan participant may make a withdrawal 208 fromthe accounts 204. For example, at the of the plan the plan participantmay make withdrawals 208. In a specific example, the plan participantmay be retired and make withdrawals 208 as part of the planparticipant's retirement income.

FIG. 3 is a flow diagram of creating a guarantee according to someembodiments. At 310, a plan participant's financial inputs are received.These financial inputs are used to determine a financial plan for theplan participant. The plan may be a plan for retirement, a savings goal,a debt reduction goal, etc. In an example, the plan is a retirement planfor the plan participant that is based on providing the plan participantwith a predetermined amount of retirement income. Financial inputs mayinclude exiting savings accounts, contributions to accounts,length/history of contributions, spending habits, expected when variousevents, such as retirement, will occur, etc.

At 320, retirement costs are estimated. Expected monthly costs may bedetermined as part of determining the retirement costs. A retirementlocale may be determined where the plan participant may relocate to uponretirement. In addition, a housing selection may be determined. Housingselection may be based upon how large, expensive, and/or amenities thatthe plan participant would like in their retirement housing. Based uponthe housing selection and the retirement locale, housing costs andutility costs may be calculated. Utility costs may be collected fromvarious locales across the country and used to estimate utility costsfor different locales. The utility costs may then be estimated acrossdifferent locales that are of interest to the plan participant. For aretirement example, the utility costs and housing costs may be estimatedacross the projected length of a customer's retirement. In addition,retirement costs may include an annual increase to account for itemssuch as inflation. Locales may also be used to estimate healthcarecosts, long-term care costs, and/or taxes.

In an example, various locales and housing selections may be used tocalculate various different costs that may be compared to one another. Aplan participant, therefore, may see different costs for differentlocales. These costs may, be used to estimate the amount of retirementsavings or retirement income needed for the plan participant.

At 330, accumulation values may be determined. The accumulation valuesmay be the amount of principal the plan participant is expected to haveat the end of the plan. The accumulation values may be determined basedupon the financial inputs and the estimated retirement costs. In anexample, the accumulation values are large enough to cover the estimatedretirement costs. For example, a plan participant may be comparing onehousing selection to a more modest housing selection. The retirementsavings for supporting the more modest housing is less than theretirement savings for the more expensive housing. The differentaccumulation values are used to support either housing. To achieve alarger accumulation value, the plan participant may be required toinvest more money during the plan and/or invest some assets in morerisky but potentially higher upside investments. Accordingly, eachaccumulation value may be associated with a different investment risk.The accumulation value and the associated investment risk may be storedtogether in a data store for later retrieval. In addition, theaccumulation value may be used to calculate a retirement income. Forexample, based upon the number of years of retirement, the accumulatedvalue may be used to calculate the retirement income available on ayearly basis.

Each accumulation value may be associated with different investmentrequirements. An example of an investment requirement is having the planparticipant continue to make deposits into an account for a certainamount of time and of certain amounts. The investment requirements maybe calculated based on the financial inputs and an accumulation value.For example, a user may have little retirement savings, as indicated bythe financial inputs, and desire a large accumulation value to be usedfor retirement. The investment requirements, therefore, would be largeenough to ensure that the plan participant has the desired accumulationvalue at the end of the plan. Non-financial investment requirements mayalso be attached to an accumulated value or plan. For example, agreeingto be a member of a gym, or to visit the gym a certain number of timesmay be a requirement.

The various accumulation values and the investment requirements may beprovided to a plan participant for review and selection. For example,the various accumulation values and the investment requirements neededto achieve the accumulation values may be provided such that the planparticipant may review and compare. The various accumulation values andthe investment requirements may be provided via a computing system, amobile device, a website, etc. At 340, a selection of one of theaccumulation values is received.

In an example, a probability that the selected accumulation value willbe met is calculated. For example, a Monte Carlo calculation may be madeto determine the probability. A security, such as an insurance policy,may be used to cover the costs and/or risk of the plan not achieving theaccumulated value. This security may be purchased automatically as partof plan enrollment.

At 350, an investment plan is created based upon the selectedaccumulation value and the investment requirements associated with theaccumulation value. In an example, the plan is created based upondetermining an initial amount of assets that are to be used for savingtowards the accumulation value. The difference between the accumulationvalue and the initial amount may be determined. The difference alongwith the investment requirements may then be used to determine howaggressive and how much risk is needed to achieve the accumulation valuebased upon the amount of time until the event, such as retirement, isreached.

The investment plan may have additional investment requirements. Forexample, the investment plan may require a range of differentinvestments to ensure that assets are balanced and/or diversifiedaccording to the plan. The investment plan may also alter the originalinvestment requirements. For example, deposits of different amounts maybe used. For example, based upon the investment plan's projections lessmoney may be needed such that the deposit amounts may be reduced.

At 360, a guarantee for the investment plan is determined. The guaranteemay be based upon the selected accumulation value and the associatedinvestment requirements. The guarantee may be one or more of a maximumguaranteed loss, reduction of fees, minimum return, guaranteedprincipal, etc. The guarantee may also be non-financial. For example, aguarantee may be a fixed pricing for a gym membership or discountedmovie tickets. Guarantees may also change the investment requirementsfor an investment plan. For example, a higher guaranteed return may beprovided for increasing the deposit amount that the plan participantwill make. Another example is increasing the guarantee based uponrequiring more money to be invested earlier in the plan to takeadvantage of compound interest. In the examples with various guarantees,a selected guarantee for the selected investment plan is received.

In another example, an investment plan and guarantee are determined foreach of the possible accumulation values. The plan participant may thenselect the plan and guarantee. In this example, an investment plan mayhave different guarantees. For example, an investment plan may havepossible guarantees of a certain lump sum at the end of the plan;smaller payments made throughout the life of the plan; and/ornon-financial guarantees such as a locked in rates for services, e.g., agym membership, etc. In another example, the investment plan may allowthe user to select multiple guarantees. In this example, the selectionof one guarantee may impact other guarantees. For example, the planparticipant may elect to take a smaller lump stun payment at the end ofthe plan and select a fixed gym membership pricing during the plan.

During the plan, the investment requirements may be monitored. Forexample, accounts may be monitored to determine if deposits are beingtimely made. At the end or during the plan, the guarantee may beprovided to the plan participant based upon the investment requirementsbeing met.

While the investment requirements are being monitored by a monitor asdescribed above, one or more investment requirements may be determinedas not being met. For example, a deposit may not have been made or thedeposit may be less than the required amount. The negative impact thatdeposit has on the plan may be determined. For example, how the depositimpacts the accumulated value may be calculated. An alert may beprovided to the plan participant to let them know of the investmentrequirement and the negative impact it has on the accumulated value.Another example may be how the missed investment requirement impacts theguarantee of the plan. A catch-up value may be calculated. The catch-upvalue may be an amount of money that needs to be deposited to remedy themissed investment requirement. In this example, a deposit of thecatch-up value ensures that the investment requirements are met or maybe met.

In an example, monitoring an account may also allow for automatic assetallocation based upon the selected plan. For example, at certain times,such as yearly, bi-yearly, etc., investment accounts may be analyzed forthe distribution of assets. The selected plan may have a requirementthat the assets be allocated in a certain way. If the currentdistribution does not meet the requirement, asset reallocation may occursuch that the asset allocation is in line with the selected plan.

Monitoring a plan participant's plan and requirements may be used tocalculate a reputation score for the plan participant. The reputationscore may be based on the plan participant's compliance with the variousrequirements. For example, the reputation score may be the number ofrequirements met by a customer divided by the total number ofrequirements to date. In an example, a requirement may be based upon thereputation score. For example, a requirement may be that the planparticipant's reputation score be above a predetermine value. Thereputation score may be negatively impacted when an investmentrequirement and/or a non-financial requirement is not met. In anexample, spending habits may also be monitored and impact the reputationscore. In another example, health monitoring data may be used todetermine if the plan participant is meeting an exercise non-financialrequirement. Additional information that may be used to impact thereputation score include the plan participant's consistent savings,credit score, sophistication of the plan, investor profile, etc. In anexample, behavior across multiple plan participants may be used. Forthis information, a distribution of scores may be used to calculate thereputation score of a particular plan participant.

A selected plan may span multiple years. Accordingly, plan modificationsmay occur from time to time. As the plan changes, the associatedguarantee may also change. For example, a plan participant may determinethat more money will be saved for retirement. The additional funds, mayprovide an increase the current guarantee that was based on the previousscheduled deposits. Similarly, a plan participant may determine to saveless money, in which case, the guarantee may be reduced. Changes to theplan may be made any time and/or on a pre-determined schedule.

FIG. 4 is a block diagram 1100 showing one example of a softwarearchitecture 1102 for a computing device. The architecture 1102 may beused in conjunction with various hardware architectures, for example, asdescribed herein. FIG. 4 is merely a non-limiting example of a softwarearchitecture 1102 and many other architectures may be implemented tofacilitate the functionality described herein. A representative hardwarelayer 1104 is illustrated and can represent, for example, any of theabove referenced computing devices. In some examples, the hardware layer1104 may be implemented according to the architecture 1102 of FIG. 4.

The representative hardware layer 1104 comprises one or more processingunits 1106 having associated executable instructions 1108. Executableinstructions 1108 represent the executable instructions of the softwarearchitecture 1102, including implementation of the methods, modules,components, and so forth of FIGS. 1-3. Hardware layer 1104 also includesmemory and/or storage modules 1110, which also have executableinstructions 1108. Hardware layer 1104 may also comprise other hardwareas indicated by other hardware 1112 which represents any other hardwareof the hardware layer 1104, such as the other hardware illustrated aspart of hardware architecture 1200.

In the example architecture of FIG. 4, the software 1102 may beconceptualized as a stack of layers where each layer provides particularfunctionality. For example, the software 1102 may include layers such asan operating system 1114, libraries 1116, frameworks/middleware 1118,applications 1120 and presentation layer 1144. Operationally, theapplications 1120 and/or other components within the layers may invokeapplication programming interface (API) calls 1124 through the softwarestack and receive a response, returned values, and so forth illustratedas messages 1126 in response to the API calls 1124. The layersillustrated are representative in nature and not all softwarearchitectures have all layers. For example, some mobile or specialpurpose operating systems may not provide a frameworks/middleware layer1118, while others may provide such a layer. Other softwarearchitectures may include additional or different layers.

The operating system 1114 may manage hardware resources and providecommon services. The operating system 1114 may include, for example, akernel 1128, services 1130, and drivers 1132. The kernel 1128 may act asan abstraction layer between the hardware and the other software layers.For example, the kernel 1128 may be responsible for memory management,processor management (e.g., scheduling), component management,networking, security settings, and so on. The services 1130 may provideother common services for the other software layers. In some examples,the services 1130 include an interrupt service. The interrupt servicemay detect the receipt of a hardware or software interrupt and, inresponse, cause the architecture 1102 to pause its current processingand execute an interrupt service routine (ISR) when an interrupt sreceived. The ISR may generate the alert, for example, as describedherein.

The drivers 1132 may be responsible for controlling or interfacing withthe underlying hardware. For instance, the drivers 1132 may includedisplay drivers, camera drivers, Bluetooth® drivers, flash memorydrivers, serial communication drivers (e.g., Universal Serial Bus (USB)drivers), Wi-Fi® drivers, NFC drivers, audio drivers, power managementdrivers, and so forth depending on the hardware configuration.

The libraries 1116 may provide a common infrastructure that may beutilized by the applications 1120 and/or other components and/or layers.The libraries 1116 typically provide functionality that allows othersoftware modules to perform tasks in an easier fashion than to interfacedirectly with the underlying operating system 1114 functionality (e.g.,kernel 1128, services 1130 and/or drivers 1132). The libraries 1116 mayinclude system 1134 libraries (e.g., C standard library) that mayprovide functions such as memory allocation functions, stringmanipulation functions, mathematic functions, and the like. In addition,the libraries 1116 may include API libraries 1136 such as medialibraries (e.g., libraries to support presentation and manipulation ofvarious media format such as MPEG4, H.264, MP3, AAC, AMR, NG, PNG),graphics libraries (e.g., an OpenGL framework that may be used to render2D and 9D in a graphic content on a display), database libraries (e.g.,SQLite that may provide various relational database functions), weblibraries (e.g., WebKit that may provide web browsing functionality),and the like. The libraries 1116 may also include a wide variety ofother libraries 1138 to provide many other APIs to the applications 1120and other software components/modules.

The frameworks 1118 (also sometimes referred to as middleware) mayprovide a higher-level common infrastructure that may be utilized by theapplications 1120 and/or other software components/modules. For example,the frameworks 1118 may provide various graphic user interface (GUI)functions, high-level resource management, high-level location services,and so forth. The frameworks 1118 may provide a broad spectrum of otherAPIs that may be utilized by the applications 1120 and/or other softwarecomponents/modules, some of which may be specific to a particularoperating system or platform.

The applications 1120 includes built-in applications 1140 and/or thirdparty applications 1142. Examples of representative built-inapplications 1140 may include, but are not limited to, a contactsapplication, a browser application, a book reader application, alocation application, a media application, a messaging application,and/or a game application. Third party applications 1142 may include anyof the built in applications as well as a broad assortment of otherapplications. In a specific example, the third party application 1142(e.g., an application developed using the Android™ or iOS™ softwaredevelopment kit (SDK) by an entity other than the vendor of theparticular platform) may be mobile software running on a mobileoperating system such as iOS™, Android™, Windows® Phone, or other mobilecomputing device operating systems. In this example, the third partyapplication 1142 may invoke the API calls 1124 provided by the mobileoperating system such as operating system 1114 to facilitatefunctionality described herein.

The applications 1120 may utilize built in operating system functions(e.g., kernel 1128, services 1130 and/or drivers 1132), libraries (e.g.,system 1134, APIs 1136, and other libraries 1138), frameworks/middleware1118 to create user interfaces to interact with users of the system.Alternatively, or additionally, in some systems interactions with a usermay occur through a presentation layer, such as presentation layer 1144.In these systems, the application/module “logic” can be separated fromthe aspects of the application/module that interact with a user.

Some software architectures utilize virtual machines. For example,systems described herein may be executed utilizing one or more virtualmachines executed at one or more server computing machines. In theexample of FIG. 4, this is illustrated by virtual machine 1148. Avirtual machine creates a software environment whereapplications/modules can execute as if they were executing on a hardwarecomputing device. A virtual machine is hosted by a host operating system(operating system 1114) and typically, although not always, has avirtual machine monitor 1146, which manages the operation of the virtualmachine as well as the interface with the host operating system (i.e.,operating system 1114). A software architecture executes within thevirtual machine such as an operating system 1150, libraries 1152,frameworks/middleware 1154, applications 1156 and/or presentation layer1158. These layers of software architecture executing within the virtualmachine 1148 can be the same as corresponding layers previouslydescribed or may be different.

FIG. 5 is a block diagram illustrating a computing device hardwarearchitecture 1200, within which a set or sequence of instructions can beexecuted to cause the machine to perform examples of any one of themethodologies discussed herein. For example, the architecture 1200 mayexecute the software architecture 1102 described with respect to FIG. 4.The architecture 1200 may operate as a standalone device or may beconnected (e.g., networked) to other machines. In a networkeddeployment, the architecture 1200 may operate in the capacity of eithera server or a client machine in server-client network environments, orit may act as a peer machine in peer-to-peer (or distributed) networkenvironments. The architecture 1200 can be implemented in a personalcomputer (PC), a tablet PC, a hybrid tablet, a set-top box (STB), apersonal digital assistant (PDA), a mobile telephone, a web appliance, anetwork router, switch or bridge, or any machine capable of executinginstructions (sequential or otherwise) that specify operations to betaken by that machine.

Example architecture 1200 includes a processor unit 1202 comprising atleast one processor (e.g., a central processing unit (CPU), a graphicsprocessing unit (GPU) or both, processor cores, compute nodes, etc.).The architecture 1200 may further comprise a main memory 1204 and astatic memory 1206, which communicate with each other via a link 1208(e.g., bus). The architecture 1200 can further include a video displayunit 1210, an alphanumeric input device 1212 (e.g., a keyboard), and auser interface (UI) navigation device 1214 (e.g., a mouse) in someexamples, the video display unit 1210, input device 1212 and UInavigation device 1214 are incorporated into a touch screen display. Thearchitecture 1200 may additionally include a storage device 1216 (e.g.,a drive unit), a signal generation device 1218 (e.g., a speaker), anetwork interface device 1220, and one or more sensors (not shown), suchas a global positioning system (GPS) sensor, compass, accelerometer, orother sensor.

In some examples, the processor unit 1202 or other suitable hardwarecomponent may support a hardware interrupt. In response to a hardwareinterrupt, the processor unit 1202 may pause its processing and executean interrupt service routine (ISR), for example, as described herein.

The storage device 1216 includes a machine-readable medium 1222 on whichis stored one or more sets of data structures and instructions 1224(e.g., software) embodying or utilized by any one or more of themethodologies or functions described herein. The instructions 1224 canalso reside, completely or at least partially, within the main memory1204, static memory 1206, and/or within the processor 1202 duringexecution thereof by the architecture 1200, with the main memory 1204,static memory 1206, and the processor 1202 also constitutingmachine-readable media. Instructions stored at the machine-readablemedium 1222 may include, for example, instructions for implementing thesoftware architecture 1102, instructions for executing any of thefeatures described herein, etc.

While the machine-readable medium 1222 is illustrated in an example tobe a single medium, the term “machine-readable medium” can include asingle medium or multiple media (e.g., a centralized or distributeddatabase, and/or associated caches and servers) that store the one ormore instructions 1224. The term “machine-readable medium” shall also betaken to include any tangible medium that is capable of storing,encoding or carrying instructions for execution by the machine and thatcause the machine to perform any one or more of the methodologies of thepresent disclosure or that is capable of storing, encoding or carryingdata structures utilized by or associated with such instructions. Theterm “machine-readable medium” shall accordingly be taken to include,but not be limited to, solid-state memories, and optical and magneticmedia. Specific examples of machine-readable media include non-volatilememory, including, but not limited to, by way of example, semiconductormemory devices (e.g., electrically programmable read-only memory(EPROM), electrically erasable programmable read-only memory (EEPROM))and flash memory devices; magnetic disks such as internal hard disks andremovable disks; magneto-optical disks; and CD-ROM and DVD-ROM disks.

The instructions 1224 can further be transmitted or received over acommunications network 1226 using a transmission medium via the networkinterface device 1220 utilizing any one of a number of well-knowntransfer protocols (e.g., HTTP). Examples of communication networksinclude a local area network (LAN), a wide area network (WAN), theInternet, mobile telephone networks, plain old telephone (POTS)networks, and wireless data networks (e.g., Wi-Fi, 3G, and 6G LTE/LTE-Aor WiMAX networks). The term “transmission medium” shall be taken toinclude any intangible medium that is capable of storing, encoding, orcarrying instructions for execution by the machine, and includes digitalor analog communications signals or other intangible medium tofacilitate communication of such software.

Various components are described in the present disclosure as beingconfigured in a particular way. A component may be configured in anysuitable manner. For example, a component that is or that includes acomputing device may be configured with suitable software instructionsthat program the computing device. A component may also be configured byvirtue of its hardware arrangement or in any other suitable manner.

The above description is intended to be illustrative, and notrestrictive. For example, the above-described examples (or one or moreaspects thereof) can be used in combination with others. Otherembodiments can be used, such as by one of ordinary skill in the artupon reviewing the above description. The Abstract is to allow thereader to quickly ascertain the nature of the technical disclosure, forexample, to comply with 37 C.F.R. § 1.72(b) in the United States ofAmerica. It is submitted with the understanding that it will not be usedto interpret or limit the scope or meaning of the claims.

Also, in the above Detailed Description, various features can be groupedtogether to streamline the disclosure. However, the claims cannot setforth every feature disclosed herein as embodiments can feature a subsetof said features. Further, embodiments can include fewer features thanthose disclosed in a particular example. Thus, the following claims arehereby incorporated into the Detailed Description, with a claim standingon its own as a separate embodiment. The scope of the embodimentsdisclosed herein is to be determined with reference to the appendedclaims, along with the full scope of equivalents to which such claimsare entitled.

1. A method comprising: receiving, by a server computing device via anetwork connection, financial inputs associated with a retirement for auser; estimating, by the server computing device, retirement costs forthe retirement; determining, by the server computing device, a pluralityof accumulation values based upon the financial inputs and the estimatedretirement costs, each accumulation value having a different investmentrisk; receiving, by the server computing device, a selection of aselected accumulation value from the plurality of accumulation values;determining, by the server computing device, an investment plan for theselected accumulation value, wherein the investment plan includes afinancial requirement and a non-financial requirement; receiving anindication of performance of the non-financial requirement by the user;and adjusting the selected accumulation value based on the indication ofthe performance of the non-financial requirement.
 2. The method of claim1, further comprising: comparing data values to values associated withthe financial requirement and the non-financial requirement that arestored in a database; determining the financial requirement and thenon-financial requirement have been met based upon the comparing datavalues to the values associated with the financial requirement and thenon-financial requirement.
 3. The method of claim 1, wherein theestimating retirement costs comprises: receiving a geographic retirementlocation; receiving a retirement housing selection; and estimatingutility costs based on the retirement location and retirement housingselection.
 4. The method of claim 1, further comprising: determining thefinancial requirement has not been met; calculating a negative impact onthe selected accumulation value based upon a unmet financialrequirement; and providing an alert comprising the negative impact. 5.The method of claim 4, further comprising calculating a catch-up valuebased upon the unmet financial requirement.
 6. (canceled)
 7. The methodof claim 1, further comprising identifying a financial guarantee that isan investment principal.
 8. The method of claim 1, further comprisingidentifying a financial guarantee that is an additional investmentamount.
 9. The method of claim 1, further comprising determining aretirement income amount based upon the selected accumulated value. 10.The method of claim 1, further comprising calculating a reputation scorebased upon met requirements from the financial requirement and thenon-financial requirement.
 11. The method of claim 1, furthercomprising: determining a plurality of non-investment requirements; anddetermining the plurality of non-investment requirements have been met.12. The method of claim 11, further comprising providing an incentivebased upon a non-investment requirement having been met.
 13. The methodof claim 12, the incentive comprising a discount to a gym membership.14. The method of claim 1, wherein the determining the financialrequirement has been met comprises monitoring an investment account fordeposits.
 15. A system comprising: one or more electronic processors toexecute operations comprising: receiving financial inputs associatedwith a retirement of a user; estimating retirement costs for theretirement; determining a plurality of accumulation values based uponthe financial inputs and the estimated retirement costs, eachaccumulation value having a different investment risk; receiving aselection of a selected accumulation value from the plurality ofaccumulation values; determining an investment plan for the selectedaccumulation value, wherein the investment plan includes a financialrequirement and a non-financial requirement; receiving an indication ofperformance of the non-financial requirement by the user; and adjustingthe selected accumulation value based on the indication of theperformance of the non-financial requirement.
 16. The system of claim15, wherein the estimating retirement costs comprises: receiving ageographic retirement location; receiving a retirement housingselection; and estimating utility costs based on the retirement locationand retirement housing selection.
 17. The system of claim 15, whereinthe operations further comprise: determining the financial requirementhas not been met; calculating a negative impact on the selectedaccumulation value based upon a unmet financial requirement; andproviding an alert comprising the negative impact.
 18. The system ofclaim 17, wherein the operations further comprise calculating a catch-upvalue based upon the unmet financial requirement.
 19. A non-transitorymachine-readable medium comprising instructions thereon that, whenexecuted by at least one processor unit, causes the at least oneprocessor unit to perform operations comprising: receiving financialinputs associated with a retirement of a user; estimating retirementcosts for the retirement; determining a plurality of accumulation valuesbased upon the financial inputs and the estimated retirement costs, eachaccumulation value having a different investment risk; receiving aselection of a selected accumulation value from the plurality ofaccumulation values; determining an investment plan for the selectedaccumulation value, wherein the investment plan includes a financialrequirement and a non-financial requirement; receiving an indication ofperformance of the non-financial requirement by the user; and adjustingthe selected accumulation value based on the indication of theperformance of the non-financial requirement.
 20. The non-transitorymachine-readable medium of claim 19, wherein the estimating retirementcosts comprises: receiving a geographic retirement location; receiving aretirement housing selection; and estimating utility costs based on theretirement location and retirement housing selection.
 21. (canceled) 22.The non-transitory machine-readable medium of claim 19, furtherperforming operations comprising: determining the financial requirementhas not been met; calculating a negative impact on the selectedaccumulation value based upon a unmet financial requirement; andproviding an alert comprising the negative impact.